Getting into a car accident is not just dangerous; it’s also costly and can result in medical bills, car repairs, and higher auto insurance rates. As such, make sure you’re always driving as safely as possible. By taking a few extra precautions, you can significantly reduce the risk of being involved in a collision. Aside from vigilantly obeying the traffic laws, here are a few ways to keep passengers and other motorists out of harm’s way. 

How to Stay Safe Behind the Wheel

1. Make Adjustments for the Weather 

Bad weather creates hazardous road conditions and decreases visibility. The Federal Highway Administration reports that there are approximately 1,235,000 weather-related accidents each year. For this reason, it’s essential to make the appropriate adjustments to your driving when going out in inclement weather. Reduce speed, leave extra room between vehicles, and leave more time to reach your destination. 

2. Maintain the Vehicle 

Poor car maintenance contributes to many crashes and auto insurance claims every year. If the vehicle isn’t in good working condition, many incidents can happen while driving. Failing to service the brakes will eventually cause them to fail, which means you won’t be able to avoid hitting cars in front of you. Tires that haven’t been well-maintained can result in a blowout or cause you to lose control of the vehicle. Broken headlights will make it difficult for you to see other motorists and road hazards, and they’ll have a hard time seeing you, too. 

3. Limit Distractions 

Distracted driving is one of the most common causes of collisions. Thus, it’s vital to eliminate anything that might take your attention away from the road while driving. Put phones away while behind the wheel and refrain from answering phone calls, texts, or emails. Also, make sure children and pets are securely strapped into appropriate seats or carriers. Finish eating and grooming at home, and set the radio, temperature, and navigation system before leaving the house, too. 

4. Buy Adequate Auto Insurance

The only way to make sure you’re protected if you’re in an accident is to purchase sufficient auto insurance. The state’s minimum liability requirement likely isn’t enough. You should consider increasing the liability limits, buying collision and comprehensive coverage to pay for damages to your own car, and adding uninsured/underinsured motorist in case you’re hit by someone else who doesn’t have the funds to cover your medical bills or vehicle repairs.

Whether you’re a new driver shopping for your first auto insurance policy or you have existing coverage to review, turn to JMS Insurance Agency for help. They offer a wide range of products and can help determine which ones are most suitable for your specific situation. Over the years, they’ve worked with countless residents in Stafford, TX, to customize policies that provides the best insurance solutions for the lowest rates available. Call (281) 494-1500 to set up an appointment, or visit their website to request a quote.